So I went in and applied for Chase Freedom and then immediately CSP, both instantly approved. However I am NOT happy with the Freedom outcome;
CL $ 4,500
I applied for both of these cards for travel purposes and I will need the Freedom to be Visa Signature (for travel benefits).
1.) How often does Chase reassess APR (22.9% is my highest ever and ridiculous)?
2.) Will Chase allow product change to Visa Signature with CL at $ 4,500 ($ 500 away from Visa Signature threshold, also this is one of my lowest limits)?
3.) Should I just close the Freedom account and not open it? Will it still report as a closed account if I never activate card?
Please let me know your thoughts, Thanks all!